European Stars And Stripes (Newspaper) - January 23, 1981, Darmstadt, Hesse Page 18 the Tarsan stripes january 1981 for Young married couples life insurance needs vary new York not How much life insurance do Young married couples need there is no simple answer because of such variables As financial expectations of inheritances and insurance companies have been making efforts to pinpoint often by the replace ment income method if a husband Dies How much would his family need to continue living at close to the same Standard if the wife is has professional training and either has a Job or could get one to support then the family can feel More if a wife chooses to stay at Home for a few years to raise children the financial needs could be heavy for that she would be entitled to monthly social Security payments while not along with monthly payments for the once she returned to her social Security payments would Stop until retirement but the pay ments for the childrens support would continue until they were it is important to know the extent of the social Security and this information can be obtained from local offices of the social Security or an coverage is increased periodically to help keep Pace with the Bankers life of pcs code offers an instructive consumer guide called How much life insurance do i need and can the company a Good Rule of thumb is to replace about 75 percent of take Home it provides a table for Many income and age Levels that suggests How much life insurance a husband should carry at various Ages to replace 75 percent of after tax taking into consideration so Cial Security coverage for two children and a wife at As Long As they Are a Man aged for would need times his salary of in life or More than what about the Young wife who is eager to work and has Only one child she could Proba Bly earn enough to cover basics like clothes and with that in her husband might think in terms of enough insurance to provide income for rent or a fund of to help the wife resettle in a cheaper Home or possibly add to her and another haps for the Childs College invested at 10 could double in eight suppose that the husband has in group life coverage at this would cover the wife and the Childs Edu cation that leaves a need for insurance to cover rent or mortgage totalling about a or a if he lives or works in new York the husband could take out a policy through a savings one of the cheapest forms of life insurance because it is sold by the where dip he come Banks the maximum currently for an individual is and at his age the Cost runs about a year for five year term or about for level Premium straight both types pay Connecticut and Massachusetts also offer savings Bank life sometimes professional societies offer inexpensive group suppose the husband takes out in savings Bank life which after death could be invested these Days to yield 10 per giving the family about a year toward the mortgage or rental pay at his age of 30 it would be quite inexpensive to take out another in life insurance through a which could yield at 10 percent the needed additional per haps he could afford to take out a Little bigger policy term to give his wife a Cushion against term insurance is pure insurance based on if five year term is the Premium stays level for five years and then reflecting a persons advancing straight life costs More but the Premium remains the same and Cash values coverage of the wife is also her loss can present a financial As Well As a psycho logical Burden for the he would prob ably need additional for to hire someone to care for the food and other costs would probably a husband should convert his group cover if when he leaves a Job for another most group coverage is convertible into Straightlife level Premium insurance without medical it offers a relatively painless Way of building an for suppose the husband makes four Job changes in a starting with group then on the second on the third and on the final if he converts the group policy with each Job he builds up a potential estate of with Little when a Young couple consider an insurance program they should Arm themselves with facts about their current social Security maximum group coverage at and possible coverage through savings Banks or professional they should get in touch with several life insurance across 1 skip and jump 4 read hastily 8 transmit 12 hockey Star 13 and the King of Siam 14 ruse 15 native of Atlanta 17 evaluate 18 decree 19 assess ments 20 farrells 22 word in a comparison 24 not any 25 Virgil works 29 conjunction 30 actress Thomas 31 speck 32 Branch of mathematics 34 additional 35 location 36 Witch Hunt City 37 run Over 40 historic ship 41 swedish Soprano 42 Type of Survey 46 to the sheltered Side 47 Helper 48 period 49 secluded Valley 50 individuals 51 Batter Down 19 gambling 1 greedy game grabber 20 obstacle 2 crude Metal 21 sound 3 Basso 4 tales 5 contract 6 feminine ending 22 Firma 23 consecrated 25 Portal 26 Pagan 27 Center of cuts crossword 7 chess piece 28 hold Back 8 9 ardor 10 memorandum 11 colors 16 go by bus solution time 25 123 answer to yesterdays 30 european Blackbird 33 actor Karl 34 animal hair 36 lateral boundaries 37 volcanic scoria 38 Boring person Slang 39 Arrow Poison 40 swelling 42 Agency 43 German article 44 author Levin 45 rotating piece i it 20 24 21 18 16 46 49 13 30 6 25 22 23 40 19 36 14 17 10 11 34 26 31 48 51 27 44 28 45 123 Clear Ann Landers dear Ann Landers i attended an All girls High school for four a lot of Guys i run into have the notion that Catholic schoolgirls Are Quick pickups and so we Are supposed to be my question is in regard to the last i see myself As naive rather than in sure a lot of girls who go to parochial schools feel the same we dont know a lot of the stuff Public school kids pick and our ignorance is pm please dont make fun of i would like to know if there is a Way to Tell whether or not a fellow is a i know that females bleed when the Hymen is but what about the Guys i real ize this sounds but id like to know if its True that they bleed than curious dear More your letter is so loaded with misconceptions that i dont know where to 1 generally Paro Chial school girls Are not considered Quick pick ups or anything of the in the opposite is 2 virgins do not always 3 there is no physical Evi Dence to validate or invalidate male you just have to guess or take the Fellows word for dear Ann Landers my Mother had a heart attack about a year an ambulance was called to the two attendants walked into the House with a couple of empty oxygen tanks and no lighting naturally they were unable to insert an artificial air a second ambulance was this meant another 20 minute when Crew 2 they tried unsuccessfully to get clearance from the Hospi Tal to insert an this took an additional 10 due to faulty radio when finally got through and per Mission was they inserted the in and her vein col they said my Mother died of a massive heart attack on the Way to the in my she died of inefficiency and be before mom was my father received a Bill from the ambulance and get this they charged him for two ambulances and which my Mother never the total amount came to i contacted the ambulance company immediately after the funeral and told the manager that i was very unhappy with his service and the i ended by come hell or High a i am going to get to the Bot Tom of his reply As far As i am you Are at the Bottom of i have tried to persuade my father to file a lawsuit against these but his Only reply All the Money in the world wont bring your Mother i my lawyer advised me to file but in the same he without the cooperation of your youre daughter dear daughter you have a either listen to him or get another my personal opinion is that further Pursuit would be exasperating and
